openapi: 3.0.0
info:
  title: CrediLinq Authentication Customers API
  description: 'CrediLinq embedded finance API: B2B PayLater and GMV Financing for platforms and marketplaces. Covers Auth0 token generation, merchant onboarding and eligibility, customer and director KYC, credit line and loan (drawdown) management, payments and reconciliation, reporting, and demographic reference data.'
  version: '1.0'
  contact:
    name: CrediLinq Support
    email: support@credilinq.ai
    url: https://docs.credilinq.ai/
servers:
- url: https://sandbox-api.credilinq.ai
  description: Sandbox
- url: https://stage-api.credilinq.ai
  description: Staging
- url: https://api.credilinq.ai
  description: Production
security:
- access-token: []
tags:
- name: Customers
paths:
  /v1/customer/{customerReferenceNo}/payment-methods:
    get:
      operationId: ClientController_getCustomerChosenPaymentMethods
      summary: Get Payment Methods
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: customerReferenceNo
        required: true
        in: path
        schema:
          type: string
      responses:
        '200':
          description: Get Payment Methods
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerChosenPaymentsResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '404':
          description: Requested Data Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerNotFoundResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Customers
      security:
      - access-token: []
  /v1/customer/{customerReferenceNo}/line-details:
    get:
      operationId: ClientController_getCustomerCreditLineDetails
      summary: Get Creditline Summary
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: customerReferenceNo
        required: true
        in: path
        schema:
          type: string
      responses:
        '200':
          description: Customer's credit line summary details
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreditLineResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '404':
          description: Requested Data Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerNotFoundResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Customers
      security:
      - access-token: []
  /v1/customer/{customerReferenceNo}/loans:
    get:
      operationId: ClientController_getCustomerActiveLoans
      summary: Get Active Loans
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: customerReferenceNo
        required: true
        in: path
        schema:
          type: string
      responses:
        '200':
          description: Get customer's active loans
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerActiveLoansResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '404':
          description: Requested Data Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerNotFoundResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Customers
      security:
      - access-token: []
  /v1/customer/holidays/{customerReferenceNo}:
    get:
      operationId: ClientController_getHolidaysByCustomer
      summary: Get list of Holidays by customer
      description: ''
      parameters:
      - name: accept-language
        in: header
        description: 'Language of the response, supported languages: en-us, in'
        schema:
          type: string
          default: en-us
      - name: customerReferenceNo
        required: true
        in: path
        schema:
          type: string
      - name: startDate
        required: false
        in: query
        description: Start Date
        example: '2024-04-01'
        schema:
          type: string
      - name: endDate
        required: false
        in: query
        description: End Date
        example: '2024-04-30'
        schema:
          type: string
      responses:
        '200':
          description: Get list of holidays
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HolidayListResponse'
        '400':
          description: Invalid Request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/BadRequestResponse'
        '401':
          description: Invalid credentials
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnauthorizedResponse'
        '403':
          description: Forbidden resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ForbiddenResponse'
        '404':
          description: Requested Data Not Found
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CustomerNotFoundResponse'
        '500':
          description: Internal Server Error, Some problem is there, please try after sometime
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/InternalErrorResponse'
      tags:
      - Customers
      security:
      - access-token: []
components:
  schemas:
    ForbiddenResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 403
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_FORBIDDEN
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    InternalErrorResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 500
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_INTERNAL_ERROR
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    LoanSummaryResponse:
      type: object
      properties:
        loanId:
          type: string
          default: string
          description: Id of the created loan
        loanStatus:
          type: string
          description: "Status of loan\n    \n We support these three statuses,\n    \n 1. ```pending-for-approval``` - Loan is pending for approval\n    \n 2. ```waiting-for-disbursal``` - Loan is pending for disbursal,\n    \n 3. ```active``` - Loan is active,\n    \n 4. ```rejected``` - Loan is rejected for some reason,\n    \n 5. ```closed``` - Loan is paid & closed"
          example: active
        loanReferenceNo:
          type: string
          default: BNPL180820235070
          description: Loan Reference number
        loanType:
          type: string
          description: "Type of loan\n    \n We support these 4 types,\n    \n 1. ```BNPL``` - Buyer Financing\n    \n 2. ```BNPL_Term``` - Buyer Financing Term Loan\n    \n 3. ```GMV``` - Seller Financing\n    \n 4. ```GMV_Term``` - Seller Financing Term Loan"
          example: BNPL
        customerReferenceNo:
          type: string
          default: ''
          description: Customer Reference number, for which loan is created
        loanTerm:
          type: number
          example: 30
          description: Duration of the loan. Based on loan terms selected at the cusomer level, The customer for whom loan is being created should be
          enum:
          - 30
          - 45
          - 60
          - 90
          - 120
          - 150
          - 180
          - 210
          - 240
          - 270
          - 300
          - 330
          - 360
          default: 30
        loanAmount:
          type: number
          description: Loan Amount
          example: 3500
        totalServiceFee:
          type: number
          description: Total Service fee applied on loan
          example: 99.17
        totalServiceFeeDue:
          type: number
          description: Total Service fee Due for loan
          example: 99.17
        expectedRepaymentAmount:
          type: number
          description: Total Expected Repayment Amount
          default: 3599.17
        totalDueAmount:
          type: number
          description: Total Due amount that is remaining to repay
          default: 3599.17
        loanDueDate:
          type: string
          description: Loan Due Date eg. 18 September 2023
          default: 18 September 2023
          example: 18 September 2023
        dueDatePostGracePeriod:
          type: string
          description: Due date with Grace Period, eg. Loan Due date is 18 September 2023, and grace period is 3 days. so dueDatePostGracePeriod will be 21 September 2023
          default: 18 September 2023
          example: 21 September 2023
        gracePeriodInDays:
          type: number
          description: Grace Period(In Days), After which loan goes into overdue.
          default: 3
          example: 3
        totalPenaltyDue:
          type: number
          description: Penalty outstanding that needs to repay
          default: 0
          example: 0
        currency:
          type: string
          default: SGD
          description: Currency Code
        requestedDate:
          type: string
          description: Loan Due Date eg. 18 Aug 2023
          default: 18 Aug 2023
          example: 18 Aug 2023
        repaymentSchedule:
          description: Repayment schedule for loan
          type: array
          items:
            $ref: '#/components/schemas/RepaymentScheduleV2Response'
        payments:
          description: All payments done by customer for the loan
          type: array
          items:
            $ref: '#/components/schemas/LoanPayment'
      required:
      - loanId
      - loanStatus
      - loanReferenceNo
      - loanType
      - customerReferenceNo
      - loanTerm
      - loanAmount
      - totalServiceFee
      - totalServiceFeeDue
      - expectedRepaymentAmount
      - totalDueAmount
      - loanDueDate
      - dueDatePostGracePeriod
      - gracePeriodInDays
      - totalPenaltyDue
      - currency
      - requestedDate
      - repaymentSchedule
      - payments
    LoanPayment:
      type: object
      properties:
        paymentId:
          type: string
          default: string
          description: Id of the payment
        paymentDate:
          type: string
          default: '2025-01-08T05:12:17.404Z'
          description: Date of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        paymentAmount:
          type: number
          default: 1000
          description: Payment Amount
        paymentMethod:
          type: string
          default: 1000
          description: Payment Amount
          example: Bank Transfer/UEN Payment/QR Code Payment
        paymentReferenceNo:
          type: string
          default: string
          description: Payment reference number provided while making payment
        accountNumber:
          type: string
          default: string
          description: "Account Number varies based on payment types.\n      \n\nSo for bank transfer payment( this field will contain ```bank account number``` & for UEN number payment this will contain ```UEN Number```"
        accountName:
          type: string
          default: string
          description: Account Name to which payment has been made.
        bankName:
          type: string
          default: string
          description: "Bank Name varies based on payment types.\n      \n\nSo for bank transfer payment this field will be present, for rest of the types it will be empty"
        bankSwiftCode:
          type: string
          default: string
          description: "Bank Swift Code varies based on payment types.\n      \n\nSo for bank transfer payment this field will be present, for rest of the types it will be empty"
        paymentStatus:
          type: number
          default: 2
          description: "We have 3 types of payment status codes. \n    \n For payment rejected: ```0``` \n    \n For payment done, but verification pending: ```1```\n    \n For payment done & verified: ```2```"
        loanId:
          type: string
          default: string
          description: Loan Id, for which payment has been made.
        customerReferenceNo:
          type: string
          default: string
          description: Customer Reference Number, for which payment has been made.
        metadata:
          type: string
          default: string
          description: Metadata for payments. It can be used for reporting, reconciliation purpose.
        createdAt:
          type: string
          default: '2025-01-08T05:12:17.405Z'
          description: Created Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        updatedAt:
          type: string
          default: '2025-01-08T05:12:17.405Z'
          description: Updated Timestamp of the payment in UTC Format eg. 2023-03-30T11:46:42.195Z
        currency:
          type: string
          default: SGD
          description: Currency Code
      required:
      - paymentId
      - paymentDate
      - paymentAmount
      - paymentMethod
      - paymentReferenceNo
      - accountNumber
      - accountName
      - bankName
      - bankSwiftCode
      - paymentStatus
      - loanId
      - customerReferenceNo
      - metadata
      - createdAt
      - updatedAt
      - currency
    BadRequestResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 400
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_BAD_REQUEST
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    BankTransferType:
      type: object
      properties:
        bankName:
          type: string
          default: ''
          description: Deutche Bank
        accountNumber:
          type: number
          description: For Eg. 1177441144
          default: 0
        bankSwiftCode:
          type: string
          description: IC114744
          default: ''
        accountName:
          type: string
          description: John Doe
          default: ''
      required:
      - bankName
      - accountNumber
      - bankSwiftCode
      - accountName
    HolidayListResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 200
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          type: array
          items:
            $ref: '#/components/schemas/HolidayResponse'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    CustomerCreditLine:
      type: object
      properties:
        customerReferenceNo:
          type: string
          default: string
          description: Customer Reference Number
        availableCredit:
          type: number
          default: 10000
          description: Customer's available credit limit
        approvedCredit:
          type: number
          default: 15000
          description: Customer's approved credit limit
        totalOutstandingAmount:
          type: number
          default: 1500000
          description: Total payable outstanding amount by customer
        totalUtilised:
          type: number
          default: 10000
          description: Total utilised credit by customer
        totalChargesApplied:
          type: number
          default: 500
          description: Total charges applied on loans
        totalLoanAmount:
          type: number
          default: 500
          description: Total loan amount excluding charges
        currency:
          type: string
          default: SGD
          description: Currency Code
      required:
      - customerReferenceNo
      - availableCredit
      - approvedCredit
      - totalOutstandingAmount
      - totalUtilised
      - totalChargesApplied
      - totalLoanAmount
      - currency
    RepaymentScheduleV2Response:
      type: object
      properties:
        dueDate:
          type: string
          description: Loan Due Date eg. 18 September 2023
          default: 18 September 2023
          example: 18 September 2023
        totalDueForPeriod:
          type: number
          description: Total due payment for current period
          example: 3599.17
        penaltyDueForPeriod:
          type: number
          description: Total due penalty for current period
          example: 0
        totalServiceFeeForPeriod:
          type: number
          description: Total Service fee for current period
          example: 99.17
        totalServiceFeeDueForPeriod:
          type: number
          description: Total Service fee due for current period
          example: 99.17
        principalDueForPeriod:
          type: number
          description: Total due principal for current period
          example: 3500
        dueDatePostGracePeriod:
          type: string
          description: Due date with grace period eg. 21 September 2023
          example: 21 September 2023
        paid:
          type: boolean
          description: indicates that payment is completed or not
          example: false
      required:
      - dueDate
      - totalDueForPeriod
      - penaltyDueForPeriod
      - totalServiceFeeForPeriod
      - totalServiceFeeDueForPeriod
      - principalDueForPeriod
      - dueDatePostGracePeriod
      - paid
    CustomerActiveLoansResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 200
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          type: array
          items:
            $ref: '#/components/schemas/LoanSummaryResponse'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    CreditLineResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 200
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          allOf:
          - $ref: '#/components/schemas/CustomerCreditLine'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    CustomerNotFoundResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 404
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_C_CUSTOMER_NOT_FOUND
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    HolidayResponse:
      type: object
      properties:
        date:
          type: string
          description: Date String
          example: 01 Jan 2024
        dateUTC:
          type: string
          description: Date ISO String
          example: '2023-12-31T18:30:00.000Z'
        isHoliday:
          type: boolean
          description: Date is holiday or not
          example: true
      required:
      - date
      - dateUTC
      - isHoliday
    UnauthorizedResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 401
          description: The HTTP status code of the error
        error:
          type: string
          default: string
          description: Human-readable generic error message
        errorCode:
          type: string
          default: E_UNAUTHORIZED
          description: Computer-readable code for error handling
        message:
          type: string
          default: string
          description: Human-readable error message containing all available details about how the error occurred
        success:
          type: boolean
          default: false
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - error
      - errorCode
      - message
      - success
    CustomerChosenPaymentsResponse:
      type: object
      properties:
        statusCode:
          type: number
          default: 200
          description: The HTTP status code of the error
        data:
          description: Response Data from the operation
          type: array
          items:
            $ref: '#/components/schemas/PaymentMethodsResponse'
        message:
          type: string
          default: Success
          description: Human-readable message containing all available details about the operation
        success:
          type: boolean
          default: true
          description: A boolean indicating whether this was a success response or an error response
      required:
      - statusCode
      - data
      - message
      - success
    PaymentMethodsResponse:
      type: object
      properties:
        bankTransfer:
          description: Bank Transfer Payment Method
          allOf:
          - $ref: '#/components/schemas/BankTransferType'
        uenPayment:
          description: UEN Payment Method
          allOf:
          - $ref: '#/components/schemas/BankTransferType'
        qrPayment:
          type: string
          description: QR Payment Method
      required:
      - bankTransfer
      - uenPayment
      - qrPayment
  securitySchemes:
    access-token:
      scheme: bearer
      bearerFormat: JWT
      type: http